| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY STREET, SUITE 101 LONGMONT, CO 80501 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 6.89% |
| VOLK & BELL BENEFITS LLC3 | 2040 TERRY STREET, SUITE 101 LONGMONT, CO 80501 | VISION SERVICE PLAN | $2K | — | $2K | 2.85% |
| AMY E GRIFFIN3 | PO BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $1K | $10 | $1K | 4.28% |
| JOHN W BELL3 | PO BOX 270550 FORT COLLINS, CO 80527 | AFLAC | $562 | $5 | $567 | 2.32% |
| LAURA M MARCOTTE3 | 426 ROSSUM DR LOVELAND, CO 80537 | AFLAC | $423 | $3 | $426 | 1.75% |
| DANIEL L FRENCH3 | 240 43RD AVE GREELEY, CO 80634 | AFLAC | $254 | $3 | $257 | 1.05% |
| CHRISTINE A EDGERTON3 | 8830 SE FLAVEL ST APT 34 PORTLAND, OR 97266 | AFLAC | $113 | — | $113 | 0.46% |
| WENDY M SHELLY3 | 751 HEBRON PKWY STE 220 LEWISVILLE, TX 75057 | AFLAC | $92 | — | $92 | 0.38% |
| JONATHAN SAMUEL KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $75 | — | $75 | 0.31% |
| JOHN P THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $63 | — | $63 | 0.26% |
| KYLE PROBASCO3 | PO BOX 271442 FORT COLLINS, CO 80527 | AFLAC | $49 | — | $49 | 0.20% |
| COLISTA R SHETLER3 | 9003 BELCONTE LN HENDERSON, NV 89074 | AFLAC | $49 | — | $49 | 0.20% |
| KATRINA R DOCKTER3 | 1555 RIVER PARK DRIVE STE 206Q SACRAMENTO, CA 95815 | AFLAC | $43 | — | $43 | 0.18% |
| ALAN LECLAIRE3 | 10600 CHEVROLET WAY STE 202 ESTERO, FL 33928 | AFLAC | $34 | — | $34 | 0.14% |
| ROBERT C BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $34 | — | $34 | 0.14% |
| MARY R HAUGHT3 Filed as: MARY KIMBERLY KUXHAUSEN | 2016 VAN BUREN AVE LOVELAND, CO 80538 | AFLAC | $32 | — | $32 | 0.13% |
| ROBERT L OLMSTEAD3 | 18472 W VERDIN RD GOODYEAR, AZ 85338 | AFLAC | $30 | — | $30 | 0.12% |
| BONNIE FRENCH3 | 240 43RD AVE GREELEY, CO 80634 | AFLAC | $28 | — | $28 | 0.11% |
| SHARMAIN L BOUNDS3 | 2202 TEDESCA DR HENDERSON, NV 89052 | AFLAC | $24 | — | $24 | 0.10% |
| LINDA ANN RASKIND3 | 11268 NW 1ST PL CORAL SPRINGS, FL 33071 | AFLAC | $20 | — | $20 | 0.08% |
| STEPHEN B THACKSTON3 | 2851 S VALLEY VIEW BLVD UNIT 2159 LAS VEGAS, NV 89102 | AFLAC | $19 | — | $19 | 0.08% |
| MARSHALL R BERKLEY3 | 12317 HUNTERS CROSSING LN BURLESON, TX 76028 | AFLAC | $19 | — | $19 | 0.08% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 800 ROCKMEAD DR STE 208 KINGWOOD, TX 77339 | AFLAC | $17 | — | $17 | 0.07% |
| DAVID E SCHMIDT3 | 331 SAN MARCO WAY SAINT PETERS, MO 63304 | AFLAC | $10 | — | $10 | 0.04% |
| RYAN L STOOKEY3 | 908 SOUTHGATE DR BELLEVILLE, IL 62223 | AFLAC | $10 | — | $10 | 0.04% |
| DIANA CABRAL RENTCHLER3 | PO BOX 54 WEST SACRAMENTO, CA 95691 | AFLAC | $7 | — | $7 | 0.03% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $4 | $3 | $7 | 0.03% |
| KENT HORSMAN3 | 14162 LADUE RD CHESTERFIELD, MO 63017 | AFLAC | $5 | — | $5 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $3 | — | $3 | 0.01% |
| BARRY A WHITE3 | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $3 | — | $3 | 0.01% |
| G SCOTT COOKE3 Filed as: SCOTT E NIELSEN | 1089 LAKE WASHINGTON BLVD N APT 306 RENTON, WA 98056 | AFLAC | $3 | — | $3 | 0.01% |
| BRADLEY K HARRISON3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $1 | — | $1 | 0.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 705 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 424 | $85K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,354 | $256K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,354 | $256K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,354 | $256K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,354 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,354 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.